Borrowing money

Energy Credit Facility

Energy is a precious commodity and its price is continuing to rise. Incorporating energy savings into your refurbishment plans is therefore a sensible reflex. You will, indeed, be saving yourself money.

What is the Energy Credit Facility?

The Energy Credit Facility is an instalment loan designed for those who want to make changes to their home to cut down on energy consumption. There are different ways of doing this: new doors and windows, thermostatic valves, insulation, new condensing boiler, solar panels, etc.


  • A boost for your budget and for nature: you can save money while helping the environment.
  • Made to measure: monthly repayments and a term that match your budget.



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You pay a fixed monthly amount. The interest rate set depends on the loan amount and term. The minimum term is 12 months. The maximum term varies depending on the amount borrowed:


 Amount borrowed  Maximum term (months)
From EUR 1,250 to EUR 2,500 24
From EUR 2,500.01 to EUR 3,700 30
From EUR 3,700.01 to EUR 5,600 36
From EUR 5,600.01 to EUR 7,500 42
From EUR 7,500.01 to EUR 10,000 48
From EUR 10,000.01 to EUR 15,000 60
From EUR 15,000.01 to EUR 20,000 84
More than EUR 20,000 120


  • Instalment Loan Insurance protects your family against the financial problems that might arise if you die or become fully work-incapacitated during the term of the loan.
  • Unemployment Insurance shields your budget from the effects of becoming unemployed during the term of the loan.



"Energy Credit". Credit type: instalment loan. Extends to all energy-saving home improvements, including the purchase and installation of door and window-frames and double glazing, heating and boilers, insulation, solar panels, energy audits and all other materials and work intended to save energy in the home. Subject to approval of your application by Alpha Credit sa/nv, credit provider, Rue Ravenstein/Ravensteinstraat 60, B-1000 Brussels, RPM/RPR Brussels, VAT BE0445.781.316, subsidiary of BNP Paribas Fortis SA/NV. Lending agent: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702.


Instalment loan insurance is an AG Insurance product, distributed by BNP Paribas Fortis

AG Insurance sa/nv – 53 boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 –
Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 boulevard de Berlaimont, 1000 Brussels
BNP Paribas Fortis sa/nv, 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA under n° 25.879A and acting as a contractually appointed insurance agent on behalf of AG Insurance sa/nv.

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